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First Time Buyers in Barnsley.

The process of buying a home can be overwhelming for the first-time buyers, especially with so much competition and pressure from agents.

No Broker Fee

Pay no broker fee when you consult or get started with us.

Minimum Paperwork

Get with the process with very minimal paperwork and get the work done.

Best Market Deal

Getting the best market deal, also find the best deal from your current lender.

First-Time Buyers mortgage advice for homeowners in Barnsley.

The process of buying a home can be overwhelming for the first time buyer, especially with so much competition and pressure from agents. MortgagesRM – Fee Free Mortgage Advisor in Barnsley can assist you to find the best mortgage for what you need and can act as a consultant to guide you through the housing process. When you are ready to buy a property, it is always good to have an agreement in principle ready. Stephen Kerrigan, Mortgage Advisor in Doncaster can help with this.

MortgagesRM guarantees that you'll have the best first-time buyers service without needing to pay a fee.

We offer a flexible service that gives you the power to choose how and when you want to get in touch with us. That could be online, over the phone, or in our office – we’re here to assist whenever you need advice.

We have exclusive 90-95% First Time Buyer mortgages that make the thought of home ownership more affordable. Rest easy because our “Best in Market” mortgage promise guarantees you a competitive rate and exceptional service.

Come and see for yourself how we’ve helped thousands of first-time buyers just like you.

Have Any Questions?

Contact our expert team for mortgage advice in Barnsley

Stephen Kerrigan
Russell kaye
Russell kaye
2024-03-19
Stephen is a great guy. Great help and service, as was his team. A1, 5 star. Would highly recommend, thanks for your help ????????
Beth Downing
Beth Downing
2024-03-17
Steve has been absolutely incredible. I was absolutely terrified of the process of buying a house but Steve has made it so simple & easy to understand. He’s been available at any time for any questions, including making recommendations which has saved me hundreds of pounds and now an accepted mortgage.I wouldn’t be in this place without his expertise and guidance.Thank you
Paige Harrington
Paige Harrington
2024-03-12
Thank you so much to Stephen and the team who have assisted in sorting my remortgage. They have made the process stress free and advised on options available, ensuring I understood each step of the process throughout. 100% recommend!
LILI MUSIC
LILI MUSIC
2024-03-08
I feel so lucky to have found Stephen and Sanya. The process of taking out a mortgage is so difficult especially now that I couldn't be happier that they worked with me along the way and explained to me everything I need to know. They work with very high professionalism and trust. Highly recommend. Thank you
August Vincent
August Vincent
2024-03-04
Stephen has gone above and beyond for me with sorting my mortgage out. As someone with little experience he has talked me through the whole process and ensured I’ve understood everything. He’s extremely professional and reliable. I would recommend this company to anyone. Thank you so much Steve
Salice Takey
Salice Takey
2024-02-29
I had an outstanding experience with Mr. Stephen Kerrigan .His expertise and dedication made securing my mortgage seamless. Highly recommend!
Mitchell Spears
Mitchell Spears
2024-02-28
Highly recommend Stephen, helped me and my girlfriend get our first mortgage and made sure we had the best deal. Thanks very much.
Kim Robertson
Kim Robertson
2024-02-22
Another brilliant service from Stephen . Thank you so much
Fajaa M
Fajaa M
2024-02-22
Saniya and Mr Kerrigan both so helpful and efficient in arranging a mortgage for me. Professional advice given throughout the process.Firaz
Paris Senior
Paris Senior
2024-02-17
Recently, we've been navigating the mortgage process with Mortgages RM, and Stephen has been fantastic! His friendly demeanor, coupled with his extensive knowledge, made the entire experience seamless. He's always ready to offer valuable advice and guidance whenever needed. Always prompt to respond to any questions, ensuring we have felt supported every step of the way. Couldn’t recommend more!
Our Services

Fast & Bespoke Mortgage Advice in Barnsley

All of our customers matter to us, especially those who are looking for Mortgage Advice in Barnsley – it’s not just about finding a mortgage. It’s about the journey, we will guide you through the entire process.

First Time Buyer

Buying your first home can be a little bit frightening, but we are here to help with all the challenges of finding your perfect home.

Remortgages

Looking for a cheaper mortgage deal? The process is often not as easy as it first appears.

Moving Home

Thinking of selling your existing home and moving to a new home? It is important that you try and budget accurately. 

Buy-to-Let

This can be one of the popular mortgage options available for those wishing to invest in residential & rental property.

Call us today!

To speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call.

Remortgaging with financial conduct authority
First Time Buyers in Barnsley

We're rated 5 stars because we care.

How much can I borrow?

It depends on the size of your household income as to what mortgage you can get Some lenders use a multiple of your income others look at how much you can afford based on your income and outgoings. As a rough guide, a typical multiple is four times your income.

This figure could be higher or lower depending upon your individual circumstances and different lenders’ criteria.. They will consider who is applying for the mortgage and any outstanding debts you may have.

Some lenders offer very good deals for first time buyers, so it always worth asking us to research the market on your behalf..

mortgage brokers

Stephen Kerrigan, our Fee Free Mortgage Advisor will calculate the max amount you can borrow based on your personal circumstances. He’ll explain the purchase process and answer any questions you have in a clear manner.

MortgagesRM provides a service that is 100% FREE from start to finish so you never have to worry about any “hidden costs”, and we are just a phone call away.
Remortgages in Doncaster

We promise to find the perfect home mortgage for you.

Buy to let

We’ll take care of all the work with your lender, solicitor, and surveyor so you don’t have to worry about it.

remortgages

Last, but certainly not least, we’ll take care of all the paperwork.

Having a wealth of knowledge in the mortgage & protection market. We provide a service face to face or over the phone.
Home appointments?
No problem.

We pride ourselves in offering our customers a first-class service from the moment you speak to one of our friendly & experienced Mortgage Brokers in Barnsley.

Get started online now
Book your fee-free consultation today!

Frequently Asked Questions

A minimum deposit is required for purchasing a property in Doncaster. High street lenders typically require a 5% deposit. A higher deposit may be required if you have had credit problems in the past.

Yes, however, you must submit at least one year’s worth of accounts. To compute the maximum mortgage, most lenders in Doncaster use your salary and dividend, while others may use your net profit.

Second mortgages are possible. This includes debt consolidation and home improvements. A second mortgage can also be obtained on a second property, but only if it is for the owner’s personal use, a family member’s use, a holiday home or a rental property.

It will take about an hour for our free mortgage consultation in Doncaster. Upon completion of your consultation, we can arrange an agreement in principle for you in about 24 hours. A formal offer takes about three weeks.

You must provide three payslips to prove your income if you are an employee. You will need to supply the latest 2 years’ accounts if you are self-employed in Doncaster. Additionally, you must provide proof of identity, address, and three months of bank statements.

An agreement in principle typically lasts between 30 and 90 days, but it can vary based on your lender. It is quite simple to renew an agreement in principle if it expires.

You can do it, but it will be harder. By putting down a higher deposit, perhaps 10% or 15% of the purchase price, you can demonstrate that you can afford a mortgage.

fixed vs variable rates

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